This Work Is Personal To Me: Read Senior Director of Cabinet Affairs, Mr. Daniel Suvor, Give His Experience With Insurance Coverage & Out Of Pocket Cost. That All Changes On October 1st, 2013 & January 1st, 2014. October 1st, 2013 Open Enrollment Begins. January 1st, 2014 Coverage Begins. March 31st, 2014 Open Enrollment Closes. A new report shows that the Affordable Care Act will deliver on its promise to make health insurance more affordable.